Financial wellness is the overall health of your finances: whether your cash flow covers your needs, how you manage debt and credit, whether you have savings for emergencies, and whether you're making progress toward your goals. It's a set of connected habits and numbers, not one score.

You start with a free assessment, meet with a coach, and build a written Financial Wellness Plan. Then you work the plan with recurring coaching sessions, action items, and progress tracking in your client portal.

You answer questions about your household, income, expenses, debt, credit, savings, and goals. You'll see a scorecard with your starting point across six areas and the priorities we'd tackle first. It takes about 10 minutes.

No. An approximate range is enough to start. Your coach can show you how to pull your free reports from AnnualCreditReport.com.

Yes. Budget planning and cash-flow management are at the center of every plan.

Yes. We help you list every obligation, understand balances and rates, compare payoff approaches, and build a payment plan around your cash flow. We don't negotiate or settle debts, and we don't collect money to pay your creditors.

No. GET WELL Financial does not dispute items on your credit report or promise to raise your score. We teach you how credit reporting works, how to read your reports, and what rights you have, including your right to dispute errors yourself for free.

Yes. Every GET WELL plan includes credit monitoring at no extra cost, provided through a third-party monitoring service under its own terms. Your coach helps you set it up and understand what you're seeing.

We help you prepare and organize your own communications, such as hardship letters and budget worksheets. We don't represent you or negotiate with creditors.

Recent pay stubs or income proof, a list of monthly bills, recent statements for your debts, and your credit reports. You can upload everything securely in the client portal.

It depends on your plan: monthly on Foundations, twice a month on Core Coaching, and weekly on Complete Wellness. Secure messaging is available between sessions on Core and Complete.

No. Coaches provide education and coaching only. For legal or tax questions we'll suggest you speak with a licensed attorney, CPA, or enrolled agent, and we can refer you to independent professionals.

Yes. Fixed-length 12- and 24-month programs can be paid over time through a third-party financing provider, subject to the lender's approval. You'll see the lender's terms before you sign anything.

Monthly plans are billed on a recurring date you choose, by ACH bank draft or card. You sign a payment authorization at enrollment showing the amount and schedule.

Submit a cancellation request from your client portal, or email us. Monthly plans stop before the next billing date with no cancellation fee. Cancellation terms for financed programs are stated in your agreements before you enroll.

Your information is encrypted in transit and at rest, access is limited to your coaching team, and we never sell your personal information. See the Privacy Policy for details.